Impacto financiero causado por el COVID-19 en los socios de la COAC. Minga Ltda., y estrategias para acelerar los procesos de recuperación de cartera

Abstract

The present study was developed with the aim to design strategies for Cooperativa de Ahorro y Crédito Minga Ltda located in Riobamba, province of Chimborazo in order to improve the portfolio recovery process and reduce the negative effects caused by COVID-19. For its development, different methods and research techniques were used, such as an interview with the general manager of the institution, a survey directed to the employees of the credit area and another directed to the members of the cooperative, a situational analysis was carried out through the matrix SWOT, a financial and credit portfolio evaluation was carried out and the variation of the main financial and portfolio indicators was analyzed. Based on these procedures, it was possible to determine that the clients maintained a good and stable economic situation before the lockdown due to the COVID 19 pandemic, and they assure that this affected their income, causing economic limitations and preventing punctual compliance with the payment of obligations with the institution, which in turn impacted the recovery of the cooperative's priority consumption portfolio, and income lost in the 2020 financial year. In this sense, the application of strategies such as the establishment of a work incentives plan and a motivation plan for clients, post-loan follow-up, evaluation of loan granting and recovery processes, and promotion of loan refinancing, as they constitute a useful management tool to improve the performance and contribute to the achievement of goals.